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By the way, when people call to dispute a charge from IBill, CCBill, etc... you don't need to say that it was a charge from them signing-up to an adult website. I would just say that it's a charge from a website subscription (and leave out the "adult" part). IBill + others don't just process for adult, it is possible that some of the sites they process for are non-adult regular websites. This would ensure that Visa doesn't have to recognize the fact that they're dealing with the adult industry, and would make it more likely that they'll listen to your idea.
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